Funeral Cover will assist you by paying out a pre-determined lump sum of money to a policyholder or registered beneficiary, in the event of the main member or one of the registered beneficiaries passing away.

One of the most traumatic events in life is the death of a loved one. The situation is made worse if that person was the main breadwinner.

Funeral costs can run into the thousands and often funds are tied up to an estate. Our Funeral Cover policy is designed to pay claims as quickly as possible to assist in covering the financial burden posed by even the simplest funeral.

Our Funeral Cover policy

Provides benefits for the policyholder and their immediate family members only i.e. spouse and / or child / children under 21 years of age.

Spouse is defined for this Policy as the legal or common law husband / wife of a Member or such a person residing with the Member (for a period of at least 12 months proved with an affidavit), who is normally regarded by the community as the Member’s husband / wife.

Will pay a pre-determined sum of money to a policyholder or nominated beneficiary in the event of one of the registered beneficiaries passing away.

Imposes an entry age limit of 65 years.

Applies a general 3 month waiting period, unless in the case of ACCIDENTAL death.

Benefits

The table below shows the amount that will be covered by the different membership categories as well as the premium payable per family per month:

FUNERAL COVER – EFFECTIVE FROM JANUARY 2018

OPTION

PLAN A

PLAN B

PLAN C

PLAN D

PLAN E

PLAN F

Principal

R5 000

R10 000

R15 000

R20 000

R25 000

R30 000

Spouse

R5 000

R10 000

R15 000

R20 000

R25 000

R30 000

14 – 21

R5 000

R10 000

R15 000

R20 000

R25 000

R30 000

06 – 13

R2 500

R5 000

R7 500

R10 000

R12 500

R15 000

01 – 05

R1 250

R2 500

R3 750

R5 000

R6 250

R7 500

Stillborn – 11 months

R500

R1 000

R1 500

R2 000

R2 500

R3 000

Monthly Premium

R21

R42

R63

R84

R105

R126

When are you NOT COVERED under your Funeral Cover policy?

Where death is due to self-inflicted injuries within 24 months of taking out cover.

Where claims are submitted and received after a period equal to 3 months after the date of death.

How do you claim?

Policyholders need to submit certified copies of the following documentation to claims@totalrisksa.co.za to initiate the claiming process:

Death Certificate

ID document of deceased

ID document of nominated beneficiary

Banking details of nominated beneficiary

Claims will be paid via EFT into the bank account identified by the nominated beneficiary.

TERMS AND CONDITIONSA full list of terms and conditions can be viewed here.

SECTION 3: REQUIRED DOCUMENTATION

It is very important that the medical aid statement reflecting the claims submitted, the hospital account and the doctor's statements are provided with this claim! If these documents are not attached it will be considered an invalid claim.

The following documentation is required BEFORE a claim can be processed. Please use the tick boxes to ensure that you have included the required documentation:

1. First 2 pages of Hospital Account or Pre-Authorisation Letter

I confirm that the first 2 pages of the Hospital Account or Pre-Authorisation Letter is attached.

2. Medical Aid Statement

I confirm that the Medical Aid Statement is attached.

3. Doctor / Service Provider Statement

I confirm that the Doctor / Service Provider Statement* is attached.

Upload Additional File 4

Upload Additional File 5

Upload Additional File 6

SECTION 4: POLICYHOLDER'S BANKING DETAILS - FOR CLAIMS REFUND PROCESS

Bank*

Account Number*

Account Type*

Branch*

Branch Code*

Other

As per the terms and conditions of this policy all the required information must be submitted to TRA within 3 months of the date of medical aid processing the claim after which the claim will be considered "stale". Refunds are generally made directly into the policyholder's bank account.

I declare that the aforegoing details are, to the best of my knowledge true, correct and complete: